|1Choose Your Product||2Choose Affirm||3Choose a Payment Plan|
|Once you've selected the products you would like to order, simply add them to your shopping cart.||Choose Affirm as your payment option at checkout, provide your shipping details, enter your personal information and get a real-time decision.||Select a monthly payment plan that works best for you and your project.|
1Choose Your Product
Once you've selected the products you would like to order, simply add them to your shopping cart.
Choose Affirm as your payment option at checkout, provide your shipping details, enter your personal information and get a real-time decision.
3Choose a Payment Plan
Select a monthly payment plan that works best for you and your project.
Checking your eligibility won't affect your credit score.
Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers realtime decisions and financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments over time.
Here are the steps in the Affirm loan application process:
Going forward, you’ll get monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment will be due 30 days from the date we the merchant completes processing your order.
Affirm will ask you for a few pieces of personal information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Affirm uses this information to verify your identity, and to make an instant loan decision. Affirm will base its loan decision not only on your credit score, but also on several other data points about you. This means you may be able to obtain financing from Affirm even if you don’t have an extensive credit history.
Affirm loans vary between 10% and 30% APR simple interest (0% APR is offered at select merchants). The corresponding finance charge is the only fee associated with an Affirm loan - Affirm don’t charge late fees, service fees, prepayment fees, or any other hidden fees. Affirm strive always to be more transparent and fair than any other form of financing.
Affirm calculates the annual percentage rate (APR) of a loan using simple interest, which equals the rate multiplied by the loan amount and by the number of months the loan is outstanding. This is different from compound interest, in which the interest expense is calculated on the loan amount and also the accumulated interest on the loan from previous periods. You can think about compound interest as “interest on interest,” which can make the your loan amount grow larger and larger. Credit cards, for example, use compound interest to calculate the interest expense on outstanding credit card debt.
Before each payment is due, Affirm will send you reminders via email and SMS that will include the installment amount that is coming due and the due date. You can also sign up for autopay so you don’t risk missing a payment.
Please follow these steps to make a payment:
You should see a refund from Affirm post within 3 to 10 business days, depending on your bank’s processing time.
A refund will post to your Affirm account if we process your refund request. In the event that we issue you store credit instead of a refund, you will still be responsible for paying off your Affirm loan.
If you have already made loan payments or a down-payment, Affirm will issue you a refund credit to the bank account or debit card that you used to make the payments. You should see a refund credit within 3 to 10 business days, depending on your bank’s processing time.
You must be a resident of the United States or its territories to apply. You must also be at least 18 years of age or older*.
*Terms and Conditions may apply - https://www.affirm.com/terms
Financing with Affirm is only offered on orders over $100 USD at this time.